Waterfront living on Lake Norman takes on a whole new meaning in this exceptional custom home in Cornelius. Designed for the way you actually want to live, entertain, work, and unwind, every level of this home has been thoughtfully planned with incredible attention to detail. From the moment you enter through the dramatic 10-foot custom Clark Hall steel door, the quality is unmistakable. Soaring 12-foot ceilings, wide-plank European white oak floors, custom millwork, a striking wine wall, diamond-coffered ceiling, and oversized arched openings set the tone, while expansive quad-stack sliders create a seamless connection between the home, outdoor living spaces, and water beyond.
At the heart of the home, the kitchen combines high-end design with exceptional functionality. Custom two-tone inset cabinetry, white oak accents, a substantial Azurra Bay quartzite island with 2.5-inch mitered edge, panel-ready appliances, and an oversized Venetian plaster range hood create a beautiful gathering space overlooking the lake. Just beyond is a hidden pantry/scullery that feels like a second kitchen, complete with custom cabinetry, a full-size refrigerator, second dishwasher, microwave, and abundant storage.
One of the most thoughtfully designed features of the main level is the private guest suite with its own beautifully finished en-suite bath and oversized walk-in shower. Whether hosting family, long-term guests, or creating a private space for multigenerational living, guests can enjoy their own retreat without sacrificing privacy.
Upstairs, the primary suite feels like a true escape, with gorgeous sliders leading to a private balcony overlooking the lake. It's the perfect spot to unwind at night. Two oversized custom closets with integrated LED lighting, and a spa-inspired bath with marble tile, floor-to-ceiling glass shower, custom cabinetry, dual vanities, and beautiful gold fixtures complete this retreat. Three additional bedrooms and a generously sized laundry room with extensive cabinetry and storage complete the upper level.
But the lower level is where this home truly becomes something special. Designed as an extension of the home’s entertaining space rather than simply a finished basement, it includes a full custom golf simulator, built-in sauna, private home office, second laundry room, and a beautifully appointed kitchenette with ice maker and wine cooler. Quad-stack sliders open the entire space to the lower terrace, while an accordion-style pass-through window from the kitchenette makes indoor/outdoor entertaining effortless. With room for a future pool just outside, this level was designed with lake days, pool parties, game days, and evenings with friends in mind. The second laundry room is an especially thoughtful addition for lake and future pool towels without carrying everything through the home.
Outside, professionally landscaped grounds lead to a peaceful Lake Norman cove and new private dock, putting the water just steps from your door. The 3 covered rear porch provides another place to relax, dine, and enjoy the setting, while the future pool area offers the opportunity to create a complete waterfront resort experience.
From two laundry rooms and exceptional storage to the hidden scullery, private office, golf simulator, sauna, guest suite, custom architectural details, and multiple indoor/outdoor entertaining spaces, no detail feels like an afterthought. This is a home designed not simply to look beautiful, but to live beautifully.
Located in Bahia Bay in Cornelius, this is an opportunity to enjoy the Lake Norman lifestyle in one of the area’s most sought-after waterfront locations—minutes from dining, shopping, medical care, and everything Cornelius has to offer. Exceptional craftsmanship, thoughtful design, and waterfront living come together in a home that truly needs to be experienced in person.
Active
$3,975,000
21216 Rio Oro Dr, Cornelius, NC 28031
5beds
5,188sqft
Single Family Residence
Built in 2026
0.23 Acres Lot
$3,816,300 Zestimate®
$766/sqft
$6/mo HOA
What's special
Peaceful lake norman coveProfessionally landscaped groundsCustom millworkNew private dockDiamond-coffered ceilingPrivate home officeBuilt-in sauna
- 17 days
- 1,236
- 75
Likely to sell faster than
Zillow last checked:
Listing updated:
Listed by:
Brian Adams bwadams85@gmail.com,
Adams and Collins Realty LLC
Source: Canopy MLS as distributed by MLS GRID,MLS#: 4425303
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 6
- Full bathrooms: 5
- 1/2 bathrooms: 1
- Main level bedrooms: 1
Primary bedroom
- Level: Upper
- Area: 325.89 Square Feet
- Dimensions: 17' 1" X 19' 1"
Bedroom s
- Level: Main
- Area: 179.16 Square Feet
- Dimensions: 11' 1" X 16' 2"
Bedroom s
- Level: Upper
- Area: 254.34 Square Feet
- Dimensions: 13' 4" X 19' 1"
Bedroom s
- Level: Upper
- Area: 216.1 Square Feet
- Dimensions: 14' 4" X 15' 1"
Bedroom s
- Level: Upper
- Area: 165.76 Square Feet
- Dimensions: 12' 10" X 12' 11"
Bathroom full
- Level: Main
Bathroom full
- Level: Upper
Bathroom full
- Level: Upper
Bathroom full
- Level: Upper
Dining area
- Level: Main
Exercise room
- Level: Basement
- Area: 225.3 Square Feet
- Dimensions: 22' 11" X 9' 10"
Kitchen
- Level: Main
- Area: 157.79 Square Feet
- Dimensions: 16' 9" X 9' 5"
Laundry
- Level: Upper
- Area: 95.76 Square Feet
- Dimensions: 10' 1" X 9' 6"
Laundry
- Level: Basement
- Area: 25 Square Feet
- Dimensions: 5' 0" X 5' 0"
Living room
- Level: Main
- Area: 354.42 Square Feet
- Dimensions: 18' 3" X 19' 5"
Loft
- Level: Upper
Office
- Level: Basement
- Area: 146.63 Square Feet
- Dimensions: 13' 4" X 11' 0"
Recreation room
- Level: Basement
- Area: 801.72 Square Feet
- Dimensions: 33' 2" X 24' 2"
Heating
- Heat Pump, Natural Gas
Cooling
- Central Air
Appliances
- Included: Bar Fridge, Dishwasher, Disposal, Double Oven, Exhaust Hood, Freezer, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave
- Laundry: In Basement, Laundry Room, Upper Level
Features
- Drop Zone, Kitchen Island, Open Floorplan, Pantry, Sauna, Storage, Walk-In Closet(s), Walk-In Pantry, Wet Bar
- Flooring: Tile, Wood
- Doors: Pocket Doors, Sliding Doors
- Windows: Insulated Windows
- Basement: Daylight,Exterior Entry,Finished,Walk-Out Access
- Fireplace features: Family Room, Gas
Interior area
- Total structure area: 3,735
- Total interior livable area: 5,188 sqft
- Finished area above ground: 3,735
- Finished area below ground: 1,453
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Driveway, Attached Garage, Garage on Main Level
- Attached garage spaces: 2
- Has uncovered spaces: Yes
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered, Rear Porch
- Exterior features: In-Ground Irrigation
- Has view: Yes
- View description: Water
- Has water view: Yes
- Water view: Water
- Waterfront features: Boat Ramp – Community, Boat Slip (Deed), Dock, Waterfront
- Body of water: Lake Norman
Lot
- Size: 0.23 Acres
- Features: Cleared
Details
- Parcel number: 00129740
- Zoning: GR
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Fiber Cement, Stucco
Condition
- New construction: Yes
- Year built: 2026
Details
- Builder name: BWA Builders LLC
Utilities & green energy
- Sewer: Public Sewer
- Water: City
- Utilities for property: Cable Available, Fiber Optics, Underground Utilities
Community & HOA
Community
- Features: Lake Access, Picnic Area
- Security: Carbon Monoxide Detector(s)
- Subdivision: Bahia Bay
HOA
- Has HOA: Yes
- HOA fee: $75 annually
- HOA name: Bahia Bay HOA
Location
- Region: Cornelius
Financial & listing details
- Price per square foot: $766/sqft
- Tax assessed value: $877,500
- Date on market: 9/17/2026
- Cumulative days on market: 41 days
- Listing terms: Cash,Conventional,VA Loan
- Road surface type: Concrete, Paved
Estimated market value
$3,816,300
$3.63M - $4.01M
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 9/17/2026 | Listed for sale | $3,975,000$766/sqft |
Source: | ||
| 9/14/2026 | Listing removed | $3,975,000$766/sqft |
Source: | ||
| 8/21/2026 | Listed for sale | $3,975,000+362.2%$766/sqft |
Source: | ||
| 1/29/2026 | Sold | $860,000$166/sqft |
Source: Public Record Report a problem | ||
| 1/27/2025 | Sold | $860,000-2.8%$166/sqft |
Source: | ||
| 10/7/2024 | Price change | $885,000-1.7%$171/sqft |
Source: | ||
| 9/14/2024 | Listed for sale | $900,000+176.9%$173/sqft |
Source: | ||
| 5/2/2017 | Sold | $325,000$63/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | -- | $877,500 |
| 2024 | -- | $877,500 |
| 2023 | -- | $877,500 +80.7% |
| 2022 | -- | $485,600 |
| 2021 | -- | $485,600 |
| 2020 | -- | $485,600 |
| 2019 | $4,107 | $485,600 +34.4% |
| 2018 | -- | $361,200 |
| 2017 | $3,888 | $361,200 |
| 2016 | $3,888 | $361,200 |
| 2015 | $3,888 +1.6% | $361,200 |
| 2014 | $3,828 | -- |
| 2013 | -- | $375,500 |
| 2012 | -- | $375,500 -15.7% |
| 2011 | -- | $445,500 +93.5% |
| 2010 | -- | $230,200 |
| 2009 | -- | $230,200 |
| 2008 | -- | $230,200 |
| 2007 | -- | $230,200 |
| 2006 | -- | $230,200 |
| 2005 | -- | $230,200 |
| 2004 | -- | $230,200 |
| 2003 | -- | $230,200 +29.3% |
| 2002 | -- | $178,070 |
| 2001 | -- | $178,070 |
| 2000 | -- | $178,070 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.Climate risks
Neighborhood: 28031
Nearby schools
Schools provided by the listing agent
- Elementary: Cornelius
- Middle: Bailey
- High: William Amos Hough
Source: Canopy MLS as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.







